We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN CALIFORNIA

FHA loans have been helping
California residents since 1934

A licensed
California
FHA Lender
can offer you a better loan including:

Low down payments
(if any)

24 Hour Pre-Approval

Low closing
costs

Easier credit
qualifying

48 hour Streamline
Refinancing

California First Time Home Buyer Loan

This FHA loan program was created to help
increase homeownership. The FHA program
makes buying a home easier and less expensive
than any other types of real estate mortgage
home loan programs.

When buying a home, almost every lender
will want to know where your down payment
came from. If someone in your family is
helping you with that down payment, it is
called a Gift of Equity, a
special FHA loan program.

California FHA Refinance to a Lower
Rate

Lowering your monthly mortgage payment
is easier than ever as mortgage
interest rates continue to set new
record lows almost every week for
more than two month.

An FHA Debt Consolidation
Loan can change your life,
and we can connect you to an
FHA Home Lending expert to talk
over your financial situation
so you’re not left to figure
out everything completely on
your own.

California FHA
Home Loan

How it works:

√ Determine the
type of FHA Government
Loanthat best fits your needs.

√ Complete an easy 2 minute
application form.

√ We will
forward your application to one and only oneFHA Approved
Lender who can best help you based upon:

The type of loan you requested

Your down-payment (if purchase
loan)

The location (State) your property
is located

Your credit history

The best rate available for your
loan

√ An
FHA Loan Specialist
will respond within 1 business day. They will explain
what type of loan you are approved for, and the
options available to you.

√ Immediately that same
day, the FHA Lender
will overnight your pre-approval letter to you.

Note-
It is very important that you keep this letter.
It is your official pre-approval on bank letterhead
with your 'locked rate', and if purchasing a house,
it is equally important that you present this letter
to the real estate agent to confirm your pre-qualification
status.

California
FHA Lending Limits 2018

California Median Home
Sale Price Price $420,000

County Name

Single

Duplex

3 Unit

4 Unit

ALAMEDA

$636,150

$814,500

$984,525

$1,223,475

SAN
FRANCISCO-OAKLAND-HAYWARD, CA

ALPINE

$463,450

$593,300

$717,150

$891,250

AMADOR

$332,350

$425,450

$514,300

$639,150

BUTTE

$293,250

$375,400

$453,750

$563,950

CHICO,
CA

CALAVERAS

$373,750

$478,450

$578,350

$718,750

COLUSA

$275,665

$352,950

$426,625

$530,150

CONTRA COSTA

$636,150

$814,500

$984,525

$1,223,475

SAN
FRANCISCO-OAKLAND-HAYWARD, CA

DEL NORTE

$275,665

$352,950

$426,625

$530,150

CRESCENT
CITY, CA

EL DORADO

$488,750

$625,700

$756,300

$939,900

SACRAMENTO--ROSEVILLE--ARDEN-ARCADE,
CA

FRESNO

$281,750

$360,700

$436,000

$541,800

FRESNO,
CA

GLENN

$275,665

$352,950

$426,625

$530,150

NON-METRO

HUMBOLDT

$327,750

$419,550

$507,150

$630,300

EUREKA-ARCATA-FORTUNA,
CA

IMPERIAL

$275,665

$352,950

$426,625

$530,150

EL
CENTRO, CA

INYO

$369,150

$472,550

$571,250

$709,900

KERN

$275,665

$352,950

$426,625

$530,150

BAKERSFIELD,
CA

KINGS

$275,665

$352,950

$426,625

$530,150

HANFORD-CORCORAN,
CA

LAKE

$275,665

$352,950

$426,625

$530,150

CLEARLAKE,
CA

LASSEN

$275,665

$352,950

$426,625

$530,150

SUSANVILLE,
CA

LOS ANGELES

$636,150

$814,500

$984,525

$1,223,475

LOS
ANGELES-LONG BEACH-ANAHEIM, CA

MADERA

$275,665

$352,950

$426,625

$530,150

MADERA,
CA

MARIN

$636,150

$814,500

$984,525

$1,223,475

SAN
FRANCISCO-OAKLAND-HAYWARD, CA

MARIPOSA

$322,000

$412,200

$498,250

$619,250

MENDOCINO

$373,750

$478,450

$578,350

$718,750

UKIAH,
CA

MERCED

$275,665

$352,950

$426,625

$530,150

MERCED,
CA

MODOC

$275,665

$352,950

$426,625

$530,150

MONO

$529,000

$677,200

$818,600

$1,017,300

MONTEREY

$575,000

$736,100

$889,800

$1,105,800

SALINAS,
CA

NAPA

$636,150

$814,500

$984,525

$1,223,475

NAPA,
CA

NEVADA

$477,250

$610,950

$738,500

$917,800

TRUCKEE-GRASS
VALLEY, CA

ORANGE

$636,150

$814,500

$984,525

$1,223,475

LOS
ANGELES-LONG BEACH-ANAHEIM, CA

PLACER

$488,750

$625,700

$756,300

$939,900

SACRAMENTO--ROSEVILLE--ARDEN-ARCADE,
CA

PLUMAS

$336,950

$431,350

$521,400

$648,000

RIVERSIDE

$379,500

$485,800

$587,250

$729,800

RIVERSIDE-SAN
BERNARDINO-ONTARIO, CA

SACRAMENTO

$488,750

$625,700

$756,300

$939,900

SACRAMENTO--ROSEVILLE--ARDEN-ARCADE,
CA

SAN BENITO

$636,150

$814,500

$984,525

$1,223,475

SAN
JOSE-SUNNYVALE-SANTA CLARA, CA

SAN BERNARDINO

$379,500

$485,800

$587,250

$729,800

RIVERSIDE-SAN
BERNARDINO-ONTARIO, CA

SAN DIEGO

$612,950

$784,700

$948,500

$1,178,750

SAN
DIEGO-CARLSBAD, CA

SAN FRANCISCO

$636,150

$814,500

$984,525

$1,223,475

SAN
FRANCISCO-OAKLAND-HAYWARD, CA

SAN JOAQUIN

$362,250

$463,750

$560,550

$696,650

STOCKTON-LODI,
CA

SAN LUIS OBISPO

$586,500

$750,800

$907,550

$1,127,900

SAN
LUIS OBISPO-PASO ROBLES-ARROYO GRAN

SAN MATEO

$636,150

$814,500

$984,525

$1,223,475

SAN
FRANCISCO-OAKLAND-HAYWARD, CA

SANTA BARBARA

$636,150

$814,500

$984,525

$1,223,475

SANTA
MARIA-SANTA BARBARA, CA

SANTA CLARA

$636,150

$814,500

$984,525

$1,223,475

SAN
JOSE-SUNNYVALE-SANTA CLARA, CA

SANTA CRUZ

$636,150

$814,500

$984,525

$1,223,475

SANTA
CRUZ-WATSONVILLE, CA

SHASTA

$275,665

$352,950

$426,625

$530,150

REDDING,
CA

SIERRA

$304,750

$390,100

$471,550

$586,050

SISKIYOU

$275,665

$352,950

$426,625

$530,150

NON-METRO

SOLANO

$431,250

$552,050

$667,350

$829,350

VALLEJO-FAIRFIELD,
CA

SONOMA

$595,700

$762,600

$921,800

$1,145,600

SANTA
ROSA, CA

STANISLAUS

$299,000

$382,750

$462,650

$575,000

MODESTO,
CA

SUTTER

$276,000

$353,300

$427,100

$530,750

YUBA
CITY, CA

TEHAMA

$275,665

$352,950

$426,625

$530,150

RED
BLUFF, CA

TRINITY

$275,665

$352,950

$426,625

$530,150

TULARE

$275,665

$352,950

$426,625

$530,150

VISALIA-PORTERVILLE,
CA

TUOLUMNE

$331,200

$424,000

$512,500

$636,900

SONORA,
CA

VENTURA

$636,150

$814,500

$984,525

$1,223,475

OXNARD-THOUSAND
OAKS-VENTURA, CA

YOLO

$488,750

$625,700

$756,300

$939,900

SACRAMENTO--ROSEVILLE--ARDEN-ARCADE,
CA

YUBA

$276,000

$353,300

$427,100

$530,750

YUBA
CITY, CA

FHA Loan Information

The FHA does not lend money.
The FHA (Federal
Housing Administration) is part of HUD &
backs individual Approved
Lenders.

Our responsibility is to help you find the best FHA
Approved Lender who can help you secure financing.

When
you fill in our short application we will provide your
information to one, (and
only one) FHA
Approved Lender who can help you based upon
many factors, including your Credit
Score, your State
Location, and the Type
of Loan you apply for.responsibility
is to help you find the best FHA
Approved Lender who can help you secure financing.

Note: We
are not affiliated with the Federal Housing
Administration, the Department of Housing
and Urban Development, or
any other government agency. We are an FHA Educational
Resource.

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